Vol. 1, Issue 9, Part M (2015)

Abstract
Anytime, anywhere banking is now utilising by the Indian banking customers through various channels of e-banking i.e, Automated Teller Machine (ATM), internet/online banking, mobile banking etc. The customers of both public and private sector banks in urban and rural areas are having ATM cards issued by the banks. But there are no ATMs in many rural centres. So the rural customers are not able to get 24*7 hours banking till today in their respective areas. The private sector banks like ICICI, HDFC, etc., are providing ATM Cards with PIN, Net Banking, and Mobile Banking instantly without any delay or they send by post or Mail to the customers quickly whereas public sector banks like SBI and others, they are far behind in this regard. Particularly in rural areas due to lack of awareness and availability of ATMs they are not using e-channels at an appropriate level. In urban areas also the ATM are overcrowded due to shortage in number and they demand for more ATMs and Cash Deposit Machines (CDMs) instead of more branches.